如何破解“车主喊贵、险企喊亏”（金台视线）

Core Viewpoint - The rising insurance premiums for ride-hailing vehicles, especially electric ones, are significantly impacting the industry, making it difficult for drivers to secure affordable coverage and threatening the stability of the ride-hailing market [3][4][6]. Summary by Sections Insurance Premiums and Challenges - Ride-hailing drivers are facing substantial increases in insurance premiums, with some reporting annual costs rising from 8,500 yuan to 9,800 yuan, a hike of over 15% [4]. - The insurance costs for electric vehicles are particularly high, with some drivers unable to find coverage due to their vehicles being classified as high-risk [3][4]. - A driver in Nanjing reported a 30% increase in insurance premiums from 6,500 yuan to 8,500 yuan after a minor accident, highlighting the financial strain on drivers [3]. Market Dynamics - The insurance market for ride-hailing is limited, with few companies willing to underwrite these risks, leading to high premiums and stringent conditions for coverage [4][5]. - Some insurance companies are only willing to renew existing policies and are not accepting new applications, further complicating the situation for drivers [4]. Risk Assessment and Pricing Mechanism - The high premiums are attributed to the elevated risk associated with ride-hailing, particularly for electric vehicles, which have higher repair costs and claim rates [6][7]. - Experts suggest that the current pricing models do not adequately reflect the dynamic nature of ride-hailing operations, which include factors like driving behavior and usage patterns [7][10]. Regulatory and Industry Responses - Regulatory bodies are urged to enhance oversight and encourage collaboration between the ride-hailing and insurance sectors to develop a more balanced risk-sharing mechanism [9][10]. - Recent initiatives include the launch of a platform to facilitate direct insurance purchases for electric vehicle owners, aiming to streamline the process and reduce costs [10]. Recommendations for Improvement - Experts recommend developing a multi-dimensional pricing model that incorporates real-time driving data to better align insurance costs with actual risk [10][11]. - There is a call for improved data sharing among financial regulators, transportation authorities, and ride-hailing platforms to enhance risk assessment and pricing accuracy [11].